Does Your Business Have Sufficient Interruption Coverage?
Does your business have sufficient interruption coverage?
Does Your Business Have Sufficient Interruption Coverage?
Even a short interruption in operations can end up costing a business thousands of dollars. If you own a business, you should maintain interruption insurance coverage in addition to a property insurance policy. These three measures can help you determine whether your current level of coverage is sufficient to offset lost revenue during fire restoration at a commercial building in Gilberts, IL.
Calculate Profits and Losses
If your business suffers major damage due to fire or secondary issues related to smoke or water that necessitate the suspension of daily operations, you could lose all incoming revenue. Use statements of income and expenses to determine the duration of closure that could reasonably be offset by your current level of coverage.
Factor In Continuing Expenses
Interruption insurance is useful for covering continuing expenses such as payroll or lease payments. Assess your coverage by calculating an average monthly budget that accounts for these recurring debits. It is also a good idea to review the terms of contracts with customers and suppliers to check for any penalties that could accrue in the event of an interruption.
Include Production Information
Don’t forget to account for production costs when making interruption calculations. This includes costs associated with damaged equipment, supplies, inventory and other essential materials. While a property insurance policy should cover the cost of losses, these items may also be factored into a business interruption claim.
You should carefully review all terms and limits when taking out an interruption insurance policy. Each of these considerations can help you arrive at a more informed estimation of the level of coverage you may need and easily gather important materials for making a claim. Store all of these original records or copies at an off-site location to ensure that you can access the information you need in the event of an emergency at a business in Gilberts, IL.
Mitigation Versus Restoration at Your Business: What Are the Differences?
Restoration in Carpentersville, IL warehouse
When a major flood hits your Carpentersville, IL, business, the results can be catastrophic. You may find yourself facing soaked inventory, electronic equipment and other items that are vital to the day-to-day operations of your company. Calling in a flood cleanup company can help you recover; however, knowing what to expect and an understanding some common terms such as mitigation and restoration—as well as how they differ—may help you feel more confident about the future of your business.
Mitigation and First Steps
When you make an initial call to a restoration company, the technicians that arrive will likely make a rapid assessment of the flood damage and take action to prevent floodwaters from spreading through the following:
- Redirecting flooding runoff to an outdoor area
- Draining areas that contain vital electrical systems
- Checking the soundness of floors and ceilings on upper levels
These first steps, which are part of the mitigation process, are likely to take place quickly so the worst of the damage can be slowed or temporarily repaired until the restoration process can begin.
Forming a Restoration Plan
When you work with a flood cleanup company, the technicians will probably discuss a restoration plan with you once mitigation has been completed. Repairs and reconstruction of damaged building materials may take weeks or even months, and a timeline will likely be included in the plan. Other items in the long-term restoration process might include mold control and removal, the replacement of damaged electrical systems and the installation of new insulation, carpeting and other flooring.
A Prevention Plan for the Future
A mitigation and restoration service can also help you formulate a flood prevention plan to help protect the future of your business. This plan might include how to avoid indoor floods caused by broken plumbing pipes and toilets and how to safeguard your property from outdoor flooding. This could help you to protect your customers and employees and prevent future financial loss.
As a business owner, handling water damage can be stressful. However, learning about mitigation and restoration from a flood cleanup company might help protect your Carpentersville, IL, business.
What Are the 3 Types of Contaminated Water?
Which Type of Water Is Safe Or Unsafe In Your Home
For all its utility, water can be very dangerous under certain circumstances. Those include following a flood when contaminated water can invade homes and set the stage for serious illness. Keep reading for answers to which type of water is safe or unsafe in your East Dundee,IL, home and why.
Flood Side Effects
Anyone who has experienced a home flood knows how devastating they can be. Besides making portions of your home immediately uninhabitable, floods can create a seemingly endless number of after-effects such as:
- Mold and mildew
- Property damage
- Bacterial contamination
The last item is one that doesn’t occur to most homeowners. However, floodwater can be a major source of disease depending on where it came from and its method of contamination. There are generally three levels of contamination.
This is the best type of water to face. Also called category 1 water, it comes from faucets, toilet tanks, appliance supply lines and even melting snow. It hasn’t contacted human or animal waste. Its biggest threat is causing mold growth in your home.
Also called category 2 water, gray water is the intermediate dirty water type. This water is best described as mildly contaminated. Sourced from washing machines, sinks and the like, it hasn’t met with fecal matter but it can still cause mild illness. If given enough time, this water can progress to the worst flood water type.
Also referred to as category 3, this contaminated water type is unequivocally unsafe. Sourced from outdoor flood waters or even sewage, this water is usually rich with chemicals and disease-causing organisms and must be professionally removed fast.
Contaminated water is often an unexpected but serious side effect of home flooding. If you’re facing a home flood and aren’t sure if you can safely remove water, contact a water cleanup specialist for advice on how to proceed.
Tips for Preventing and Preparing for Home Fires
fire preparation is important during the holiday season
While the mentality about fire preparation is nothing new, many families still tend to neglect necessary safety measures, like having an escape plan. Therefore, if you do not want to fall victim to a fire disaster, then you should acknowledge and use these five fire preparation tips.
Install smoke alarms and fire extinguishers
Limit use of open flames
Keep heat sources clear
Have a plan
Install Smoke Alarms and Fire Extinguishers.
While it might seem like a minimal effort for a big reward, fire safety can be as simple as installing smoke alarms and fire extinguishers. Sure, these devices are not intended to prevent fires, but they do help to keep your family safe. Smoke alarms should be placed on every level of a home, and they should also be installed in rooms where fires are more likely to occur, such as kitchens, laundry rooms and near or in mechanical closets. Additionally, fire extinguishers should also be placed throughout the home in the same areas as fire alarms.
Proper fire preparation includes inspecting your home, especially wiring. Faulty wiring is a leading cause of domestic fires. Also, electrical safety is critical to preventing many common electrical fires. For example, you should never place extension cords under carpeting or splice them into outlets.
Limit Open Flames
Candles and other open flames can lead to a home fire. Therefore, limit candle usage. For example, instead of using candles when the power goes out, use flashlights.
Keep Heat Sources Clear
Never place flammable materials near heat sources. Don't cozy up by a fireplace wrapped in a blanket. People can get too comfortable around open flames, and that can lead to recklessness and risks.
Have a Plan
Fire escape plans are crucial to safety. Consult with a fire mitigation and remediation expert in Carpentersville, IL to design a plan suited to your family and home.
Fire preparation does not have to be challenging. However, it does have to be thorough and consistent. Complacency is a risk.
3 Home Air Purifiers That Trap and Destroy Mold Spores
As a Carpentersville, IL , homeowner, the quality of the indoor air you and your family breathes is likely a priority for you. Cooking, pet and bathroom odors can be unpleasant, so installing an air filtration system in your home may help. However, if you want to banish odors and trap airborne mold spores as well, there are several home air purifier models that you might want to consider.
1. Oransi Max HEPA
This unit removes a variety of impurities from the air, including pet dander, dust and fungi spores, While no purifier can remove all spores from your indoor environment, it can reduce their presence and make an infestation less likely. This purifier also includes a carbon filter that eliminates common household odors. Filters are included with the unit, which can last up to one year before replacements are required.
This model might be a good choice for you if convenience and ease of use are high priorities in your purchasing factors. The OV200 comes with a remote and a sensor that monitors your home’s air quality as it filters mold spores, bacteria and pollen. The sensor may be helpful in monitoring the presence of hidden fungi growth and lower the expense of mold cleanup. This unit also filters away odors, such as those caused by pets or strong-smelling foods.
3. Alen BreatheSmart Classic
If you are looking for an air filtration system that is designed to clean large rooms, this unit may be a good choice. It removes many common impurities from the air, including mold, and may even prevent spores from attaching and spreading around your home. This may be especially useful in preventing the presence of Stachybotrys, or black mold, which can be difficult to eradicate once it takes hold. You may want to contact a black mold cleanup service for more advice about where to place this filter.
Finding the right air filtration unit for your Carpentersville, IL , home can prevent the need for mold remediation and removal. While fungi spores cannot be completely eliminated from your home, reducing their number may help keep large growths at bay.
Effective Ways to Prepare for Flood Damage
You should inspect your roof at least once a year
Effective Ways to Prepare for Flood Damage
Sometimes, life simply happens, and there isn't much you can do to foresee or prevent accidents or disasters. Flooding in your Sleepy Hollow,IL, home can be devastating and sometimes difficult to guard against. Fortunately, there are some steps you can take to reduce your risks.
Inside the Home
Many floods start inside your house due to poorly maintained plumbing or water systems. Over time, materials will break down and eventually fail. It's essential to routinely inspect different areas of your home that could cause flood damage. Some of these include:
- Water heater
- Pipes under bathroom and kitchen sinks
- Entire sewage and plumbing system
Staying on top of maintenance will help ensure the pipes are in good condition. This proactive approach will enable you to spot leaks and identify the possibility of a pipe break.
Outside the Home
Flooding often infiltrates your house from the outdoors. Large storms or main line backups can send water into your basement or through the roof. You should inspect your roof at least once a year. Look for broken or missing shingles, or soft spots. It's also critical to keep rain gutters and downspouts in good condition. Clean out dirt and debris, and replace them if necessary. After a storm, pay attention to how well (or poorly) water is draining away from your home. If it is pooling near the foundation, it could seep into your house and cause storm damage.
To keep water from coming into your home, you can try planting trees, bushes and shrubs. Look for plants that naturally absorb water. Also, make sure your property is graded to send water away from your home.
Know the Experts
You should be prepared to call a professional flood cleanup team in case of an emergency. An experienced specialist has the tools and resources to clean up quickly and thoroughly.
You may not be able to stop the rain from coming, but there are things you can do to protect yourself from flooding. Following these tips can bring you peace of mind.
Preventing Rain Damage To Your Commercial Building
Warehouse flooding in Barrington Hills, IL
Rain damage to your Barrington Hills,IL, business can cause major problems. However, there are some precautionary measures you can take to prevent this from happening.
How To Protect The Building From Water Damage
The walls and roof of a building form the barrier between the inside of the building and the outdoor elements. This barrier is called the building envelope. Maintaining this envelope is the most important step you can take to prevent rainwater entry to the building. The following are some specific steps you can take to keep the barrier secure:
- Have inspections done twice a year.
- Repair cracked bricks and plaster.
- Replace missing or damaged roof shingles.
- Replace deteriorated sealants.
- Keep gutters in good condition.
- Ensure that the ground slopes away from the building.
A contractor can inform you of any other maintenance tasks that your structure may require.
What To Do If Water Damage Occurs
Unfortunately, even the most well-maintained buildings may experience rain damage. If this occurs, it is important to begin cleanup as quickly as possible in order to avoid black mold and other hazards. Every situation is unique, but the following steps provide a general overview of the water damage restoration process:
- Remove standing water. Depending on the water level, you may be able to use buckets to scoop out the water. Special pumps and vacuums can also be used.
- Dry out remaining water. Dehumidifiers and fans come in handy here. If humidity is low enough outside, you can also open windows and doors.
- Sanitize everything that came into contact with the flood water.
- Repair or replace all damaged goods.
Routine maintenance of the building and quick cleanup of any water can minimize the effects of rain damage to your building. However, you may wish to enlist the help of an experienced restoration team to help get your business back to normal quickly and safely.
Using Fire Extinguishers in Your Home
Having a fire extinguisher in your home can potentially stop a fire in its tracks
While there are no laws or regulations in placing requiring you to have a fire extinguisher in your house in West Dundee,IL, it can be lifesaving to have one available. Here is some useful information on how to correctly choose and use extinguishers in your home.
How To Use an Extinguisher
While using an extinguisher is very simple, it can be easy to panic and freeze in the case of a real home fire. An easy way to remember how to use one is to memorize the acronym PASS:
Pull: Pull the pin on the top of the extinguisher.
Aim: Aim the nozzle at the base of the fire
Squeeze: Squeeze the handle to release the extinguishing agent.
Sweep: Sweep the extinguisher side to side until the fire is put out.
What Type of Extinguisher to Get
When purchasing a fire extinguisher for your home, you will need to check the label to learn the extinguisher’s classification type. Many people choose to purchase ABC extinguishers, which are capable of putting out a fire caused by an ordinary combustible material, a flammable liquid or gas, or an electrical source. However, these types of extinguisher can cause damage to your home, so you may need to contact a restoration specialist after using one.
Where To Place Extinguishers
To practice fire preparedness, every home should have at least one extinguisher on each floor. It is recommended to place an extinguisher in the kitchen and garage where fires are most likely to break out.
While having a fire extinguisher in your home can potentially stop a fire in its tracks, it is always best to leave and call for help if the fire is too large or you are not sure how to use your extinguisher. Take time to familiarize yourself with the information in this guide in case you are ever faced with a home fire.
Nothing Contaminates a Home Like an Overflowing Toilet
Dealing with raw sewage requires protection
The toilet plays an essential role in your Barrington Hills,IL, home. It is a simple and effective entry point to your local sewage treatment facility. If the sewage company keeps the sewers maintained, your home remains safe and clean. Unfortunately, sewer damage can change all that.
Sewage Doesn’t Only Flow Outward
A damaged sewer can cause the city’s waste to back up, overflow a toilet and contaminate your home. When city sewage comes to visit, that contaminated waste becomes a serious threat to your family’s health and home. Specially trained sewage remediation specialists have the knowledge, experience and equipment to make your home clean and safe again.
Dealing with raw sewage requires protection. If you decide to involve yourself in the cleanup, you should have the following protective equipment at your disposal:
- Tall waterproof boots
- Arm-length rubber gloves
- Protective mask
- Safety goggles
Even a Simple Flooded Toilet Can Be Unhealthy
Sewer damage is not the only cause of flooded toilets. Each toilet seems to have a personality. Some you can flush and walk away. Others require you to wait to make sure there isn’t a problem refilling. There are also toilets that will continue to run if you don’t wait and jiggle the handle. Some family members, especially young children, don’t understand that a toilet is not a wastebasket. Others need reminding that repeat flushing is almost never a solution to a blocked toilet.
In most of these cases, a simple overflow may appear to be clean water. However, the water still contains contaminants. Your bathroom area will not be completely safe until it is dry, clean and disinfected. It is also important to understand that water flows into cracks, behind walls and into the subflooring. The spreading moisture will make the cleanup more difficult and encourage mold growth.
There Is Life After Sewage
Sewer damage is never pretty. Cleanup may seem impossible. However, with a great team on the job, your home will soon look “Like it never even happened.”
Understanding the Types of Mold Found in a Home
Aspergillus Niger is green and pink mold
Hearing the word "mold" almost immediately causes a negative reaction in most people. Even a young child understands that mold is bad, and most adults shudder at the thought of mold growth in their Gilberts,IL, home. There are many misunderstandings about mold; therefore, it’s a good idea to learn about the common types of mold and what to expect when mold becomes a problem.
Most Common Molds
There are many, many different types of mold. Three of the most common, however, are the following:
- Stachybotrys chartarum
Molds vary in color but are typically green, brown and black. Some of the most common areas to find mold in a home are around places that have water: washing machines, refrigerators, underneath sinks and around windows or doors that have water leaks. Water damage is definitely a contributing factor to mold in a home.
If you suspect that you have a mold growth problem, conduct a thorough inspection of your home. Find out where the mold is growing so that when it comes time to remediate the problem, you’re able to take care of all areas. Remember that mold is found in all homes, and it’s usually not until the mold grows from a normal level to a higher-than-normal level that it needs to be remediated.
Two Things To Remember About All Mold
One of the most important facts to understand about virtually every type of mold is that mold spores occur naturally both indoors and outdoors. Fortunately, most types of mold can be easily remediated. Second, high humidity is one element that can cause normal levels of mold to turn in to harmful levels of mold. Managing the humidity content in your home can help prevent spores from taking hold and multiplying.
Remember that no matter what type of mold growth is occurring in your home, identification is less important than cessation. Work with mold remediation experts who can return your mold levels to a normal, healthy threshold.